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Benefits & Privileges

Octo Octo Octo Octo
Earn Profit
Monthly Profit
Additional Benefits


  • Individuals aged 18 years and above
  • Joint account is allowed
Protected by PIDM up to RM250,000 for each depositor. To view PIDM's brochure, click here.


  • NRIC or passport
  • Minimum deposit placement of RM1,000
  • Deposit increment in multiples of RM1
  • Available tenure: 12, 15, 18, 21, 24, 36, 48 or 60 months
  • A copy of utility bill for verification of address

Profit Rates

Based on the Shariah concept of Tawarruq.

Fees and Charges

Terms and Conditions

Important Notes

Withdrawal is allowed at a minimum of RM1,000 and in multiples of RM1,000 under the same account number. Applicable for new and renewed FRIA-i account effective 18 January 2015 onwards.

Upliftment/Withdrawal before maturity is allowed through a rebate or Ibra’ clause whereby the customer agrees to give rebate in case of early demand of Murabahah Sale Price. Amount uplifted/withdrawn will be subjected to the following conditions:


  1.  For FRIA-i placement/renewal from 1 November 2018 onward:

    No profit will be paid for the withdrawn amount.

  2.  For FRIA-i placements/renewals prior to 1 November 2018:

    i. 1 to 3 months
    No profit will be paid for any fully or partially* withdrawn amount before the completion of its tenure.

    ii. 4 months and above
    Before Completion of 3 months
    No profit will be paid for any fully or partially* withdrawn amount.

    After Completion of 3 months
    For any fully or partially* withdrawn amount, half the profit of the contracted rate for each completed month of the withdrawn amount is payable.

    Profit is paid on a monthly basis. Monthly profit payments can be made directly into your affiliate Islamic or conventional account.

    *Profit on the contracted rate is payable for the amount that is not withdrawn.